What happens to your pension during your maternity leave

If you’re planning to take time out of work to have a baby, chances are your pension isn’t high on your list of immediate priorities. Ensuring your finances are in order is as essential as preparing for being a new parent and the sleepless nights. In addition to your maternity pay, it’s important to think […]

How the pandemic has impacted presenteeism in the workplace

There has always been a focus on absence, but presenteeism in the workplace is just as much of an issue. This was the case prior to the pandemic, but this has heightened the issue even further. Presenteeism can be defined as when employees feel they must work, even though they are unwell. In 2019, 80% […]

Group Life Assurance – Registered vs Excepted

Group Life Assurance benefits will pay a lump sum benefit upon death of an insured employee. However, what many people overlook is that traditionally Group Life schemes are written under registered pension scheme legislation and as such, there are instances where an individual can invalidate their pension protection by joining such a scheme. The Lifetime […]

Protecting your Coronavirus Interruption Loan

The CBILS has been designed by the government to support the continued provision of finance to smaller businesses (SME’s) who have and are experiencing lost or deferred revenues, leading to disruptions to their cashflow as a result of the Covid-19 outbreak. The scheme supports a wide range of business finance products, including terms loans, overdrafts, […]

Business Owners – How secure is the future of your business?

The outbreak of Coronavirus has left many people asking about life assurance and whether their existing cover is sufficient in the event of the unthinkable happening. More often than not there are no issues with cover being satisfactory, but we would always recommend that if you have concerns, you should ask your adviser or insurer […]

Registered Group Life Schemes v Excepted Group Life Policies

In recent years Excepted Group Life Policies have become more popular and as such the following may be useful in order to provide a basic comparison between these and the traditional Registered Group Life schemes. It is not meant to be exhaustive and is based on our current understanding of legislation which can change without notice.  It is […]